Hunter United home loans

Hunter United
Hunter United's overall rating for home loans

(as rated by the Mozo community)

9.7 / 10

based on 3 reviews

Hunter United Credit Union has been providing high quality banking options to the Hunter Valley region since 1963. Owned by its customers, Hunter United is a customer driven lender, and now the largest locally based credit union in Australia.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

What home loans do Hunter United offer?

Fixed Rate Home Loans Fixed Rate Home Loans

With a fixed rate home loan from Hunter United Credit Union you can borrow amounts starting from $100,000 up to 95% of the property’s value for owner occupiers or 75% for investors. You’ll pay an upfront application fee plus a monthly service fee, but in return you’ll get the ability to make as many free extra repayments as you like, plus the opportunity to take a repayment holiday if you need to. You can also choose between weekly, fortnightly or monthly repayments.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.40% p.a.

4.63% p.a.

$8.00 monthly

$350

4.40% p.a.

4.63% p.a.

$8.00 monthly

$350


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Variable Rate Home Loans Variable Rate Home Loans

Hunter United Credit Union’s variable rate home loans, like the fixed rate alternatives, allow you to borrow amounts starting from $100,000, up to 95% of the property’s value if you’re living in it, and up to 75% if you’re an investor. You’ll get the ability to make unlimited free extra repayments, a redraw facility - although a minimum amount and fees apply - the chance to take a repayment holiday, and the use of an offset account. Keep in mind, there is an application and monthly service fee to consider.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡  

4.55% p.a.

4.67% p.a.

$8.00 monthly

$350

4.55% p.a.

4.67% p.a.

$8.00 monthly

$350

3.79% p.a.

3.91% p.a.

$8.00 monthly

$350

3.79% p.a.

3.91% p.a.

$8.00 monthly

$350

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3.79% p.a.

3.89% p.a.

$8.00 monthly

$0

Go to site

4.85% p.a.

4.97% p.a.

$8.00 monthly

$350

4.85% p.a.

4.97% p.a.

$8.00 monthly

$350


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Variable Package Home Loan Variable Package Home Loan

For package benefits galore, check out the variable rate home loan package from Hunter United Credit Union. It’s available for amounts from $100,000, up to 95% for owner occupiers and 75% for investors. When you take out this home loan, you’ll be able to make unlimited free extra repayments, take a repayment holiday and access a redraw facility, although fees and a minimum amount applies to the latter. You’ll also have the use of an offset account. For all this, you’ll pay no upfront fees, but there is a yearly service fee attached.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.69% p.a.

4.98% p.a.

$295.00 yearly

$0

4.69% p.a.

4.98% p.a.

$295.00 yearly

$0


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Hunter United home loan features in a glance

Free extra repaymentsFree extra repayments

Make free extra repayments on your Hunter United home loan and save on interest. Plus, there are no early break fees!

Offset accountOffset account

Opt for a variable rate home loan option, and you’ll get the use of an offset account, to help you pay less interest on your mortgage. Keep in mind this feature isn’t available on fixed rate options.

Flexible repayment scheduleFlexible repayment schedule

On any Hunter United Credit Union home loan, you can set your repayment schedule to fit your budget, with monthly, fortnightly or weekly repayments.

How are Hunter United Credit Union home loans rated?

Find out first-hand what Hunter United Credit Union customers have to say about their home loan experience in our customer review section.

Hunter United home loans

Overall 9.7*

Price

Features

Customer service

Convenience

Trust

3 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Hunter United home loan reviews Recent Hunter United home loan reviews

Hunter United

Hunter United Home Loan (Owner Occupier) (Package) home loan review

Overall rating   10 / 10

Friendly, professional and trustworthy.

I love the friendly staff and feeling of personalised banking. When applying for the home loan, they were very professional and helpful, like I was dealing with friends. I've been banking with them for nearly 30 years and couldn't be happier with...

Full review

I love the friendly staff and feeling of personalised banking. When applying for the home loan, they were very professional and helpful, like I was dealing with friends. I've been banking with them for nearly 30 years and couldn't be happier with my experience.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Nicole (NSW), reviewed about 1 year ago

Hunter United

Hunter United home loan review

Overall rating   10 / 10

Great customer service

A great credit union to be with just over 30 years.

Full review

A great credit union to be with just over 30 years.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Annette (NSW), reviewed over 1 year ago

Hunter United

Hunter United home loan review

Overall rating   9 / 10

Great customer service

Couldn't fault them at the moment. Had our loan since 2009 and have had very easy transactions. If we ever needed anything they have always been more than helpful.

Full review

Couldn't fault them at the moment. Had our loan since 2009 and have had very easy transactions. If we ever needed anything they have always been more than helpful.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Trent (QLD), reviewed about 3 years ago

Hunter United

Hunter United home loan review

Overall rating   10 / 10

Awesome bank

We just refinanced, put all off our bills on to the one loan and are saving $300 a week it is really convenient, and in the process we won $5000 as they have their golden jubilee giveaway.

Full review

We just refinanced, put all off our bills on to the one loan and are saving $300 a week it is really convenient, and in the process we won $5000 as they have their golden jubilee giveaway.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mozo reviewer (NSW), reviewed over 3 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Hunter United home loan? What do you need to apply for a Hunter United home loan?

To take out a home loan with Hunter United, you’ll first need to become a member, which you can do by filling out an application form and buying a member share. When you go to apply for the home loan, you’ll need to register your interest online, set up a meeting with a lender or visit your nearest branch.

So that everything goes as smoothly as possible, make sure you have these details on hand:

  • Personal contact details
  • Employment and income details
  • A list of your assets
  • A list of your debts
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